Search found 567 matches

by yukonjack
Sun Oct 14, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Practical tips to do TLH...
Replies: 3
Views: 375

Re: Practical tips to do TLH...

You don’t need an app just google Livesoft’s threads on this website. Warning: he/she has written quite a bit on this subject but it is very informative.
by yukonjack
Thu Oct 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3074

Re: Budget Coffee

tommy85 wrote:
Thu Oct 11, 2018 5:24 pm
+1 for Costco Columbian. It ranked high in consumer report ranking.
Another vote for the 3 pound can of Kirkland 100% Colombian coffee. I find it be consistently good and it’s under your price point.
by yukonjack
Wed Oct 10, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 75
Views: 5028

Re: Anyone done a Hair Transplant?

Google Joe Buck hair transplant. It didn’t go well for him and he obviously has the means and motivation to do it. A couple years ago I heard an interview with Joe shortly after he released his autobiography. He goes into great detail about how the whole process went off the rails and he finally gav...
by yukonjack
Mon Oct 08, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: REI Adventures
Replies: 16
Views: 1880

Re: REI Adventures

I looked into an REI trip to Machu Picchu as a single but at the time I thought the single occupancy premium was a bit high. I have noticed trip discounts usually during their May sale.
by yukonjack
Fri Sep 28, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6748

Re: Got my new Iphone Xs

I have a max coming today and will be interested to see the difference from my 6s. I was recently reading that some folks with the new Xs phones are complaining about how long it takes to charge the phone up to 100%. Have you noticed an increase in charging time? I think some people were reporting t...
by yukonjack
Wed Sep 12, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2645

Re: The Atlantic: 'Why is College In America So Expensive?'

To me, the most economical way to get a college education is 1) Do first two years at a community college especially the general education classes, 2) Transfer to an in-state university, a local public university, if possible. I am seeing both 1 and 2 more frequently in my neighborhood. And I live ...
by yukonjack
Mon Sep 10, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6615

Re: Hurricane Florence - survival guide

Lessons from living thru multiple disastrous hurricanes (I have posted this elsewhere too): 1) Two days out everything will be sold out. You should stock up and prepare 4-5 days before. 2) No electricity=no gasoline. My generator drinkes 5 gallons in about 7 hours. If you do not have electricity fo...
by yukonjack
Mon Aug 20, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2811

Re: Retire and become an Adventure Guide

My son of 24 does this very thing for an outfit called Wildland Trekking. He loves it. The only specific requirement was taking courses and becoming certified in Wilderness First Responder Training. I don’t think your age would be an impediment but you would need to be okay working with and being ma...
by yukonjack
Wed Aug 15, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3939

Re: Almost 30 - Check In

I agree with most of the previous posts in that $15k is way too much but if you decide to go down that path do lots of research on diamonds and learn how to use a jeweler’s microscope. It is a common practice for jewelers to sell flawed diamonds for an inflated price. At the very least you might be ...
by yukonjack
Tue Aug 14, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 8130

Re: Retire in Florida or Alabama?

The fact that the Alabama coast is referred to as the “Redneck Riviera “ would give me pause. And if I’m not mistaken that same vibe exists in northern Florida.
by yukonjack
Wed Jul 25, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2177

Re: How to Learn Italian (a little) Before Trip to Italy

In preparation for a recent trip to France I stumbled onto the linguistics coach Paul Noble. I found his methods to be both useful and unique. I checked out his audio book from my local library and found it to be helpful for a basic “tourist” understanding. I only completed book one but I believe he...
by yukonjack
Mon Jul 16, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2503

Re: Passport expiration time rules for France

FWIW Rick Steves recommends renewing at 6 months. I renewed 3 family members earlier this year and it only took about 3 weeks so you should have plenty of time.
by yukonjack
Mon Jul 09, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy house in Bay Area?
Replies: 19
Views: 2900

Re: Can we afford to buy house in Bay Area?

Facing a difficult financial decision. We live in Bay Area and want to buy a house. Current situation: - Salary + Bonus: 210K - RSU: 300K a year - 401k: ~100K total, maxing out every year - Current house equity: ~400K (assuming I sell it today and exclude all closing costs) - Cash: 250K in money ma...
by yukonjack
Wed Jul 04, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?
Replies: 25
Views: 1637

Re: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?

You must be suffering since the first week of June. It’s been smoking in most of Colorado. You seem to be the type of person that keeps vehicles for the long haul. For that reason I would suggest buying new and driving it into the ground. There are usually deals to be had in September and October as...
by yukonjack
Sun Jul 01, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2063

Re: Should I cancel my Colorado trip due to wildfires??

I personally wouldn’t change the trip that you outlined. This has been a fairly typical fire season in Colorado. The only part of your trip that might be changed is the train ride. I know in Durango the narrow gauge train rides were being tweaked a bit. Of course the company that runs the train can ...
by yukonjack
Mon Jun 25, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: 2019 trip to France and Switzerland
Replies: 10
Views: 897

Re: 2019 trip to France and Switzerland

A couple of weeks ago I did a day trip from Paris to Bayeux and enjoyed it. I left Paris on a 7am train to Bayeux and returned to Paris around 9pm. My main focus was to see Bayeux tapestry and the town. I did go to the WW II museum. If you want to tour the sites and beaches I would suggest spending ...
by yukonjack
Sun Jun 24, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3387

Re: Compliments for Vanguard?

I have completed two rollovers with Vanguard and all went well and timely. In my 12 years of being a Vanguard customer I have rarely needed to talk with someone but when I do it has been handled to my satisfaction.
by yukonjack
Sun Jun 17, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9388

Re: Which Supermarket are you?

I have numerous convenient choices. An approximate percentage would be 60% Costco, 20% Target, 15% Trader Joe’s and 5% Whole Foods. As for the organic information I do believe the part about certain vegetables and fruits are more risky as non organic. Food with thin skins that are fully consumed suc...
by yukonjack
Wed May 23, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a house, downpayment vs. retirement and other considerations
Replies: 170
Views: 8560

Re: Purchasing a house, downpayment vs. retirement and other considerations

This is a very interesting thread. The OP is a 20 something, inexperienced individual and the responses seem to be from individuals that have far more experience in life and more importantly with finances. It reminds me when I as a parent would try to explain life to my teenagers. If for no other re...
by yukonjack
Mon May 21, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4937

Re: Buying a Vacation Rental Property as an Investment

Regardless of whether you fully buy into global warming and the related issues I would highly recommend that you fully research how your beach front property has been affected over the last decade. As well as trying to ascertain how the area is projected to do in the next decade.
by yukonjack
Mon May 21, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Riding from the mountains of Slovenia to the mountains of Italy
Replies: 15
Views: 1726

Re: Riding from the mountains of Slovenia to the mountains of Italy

Always enjoy reading your adventures Raybo. Stay safe.
by yukonjack
Mon May 21, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Good read on why to keep a simple indexed fund portfolio
Replies: 11
Views: 2399

Re: Good read on why to keep a simple indexed fund portfolio

Thanks for posting. I found it to be a nice reminder of the basic importance of Boglehead style investing. While it isn’t new information it is a helpful reminder.
by yukonjack
Tue May 08, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5347

Re: Which City to spend 4-6 weeks?

I would also vote for staying in 2 or 3 different cities. Air travel within Europe is quite reasonable.
by yukonjack
Sat Apr 21, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 10995

Re: Boglehead Philosophy Open To Change?

IMO that’s the beauty of the boglehead philosophy...you don’t have to worry what the next trend will be.
by yukonjack
Sat Apr 21, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 8813

Re: Do you buy new or used cars?

My main reason to buy new is that you never really know what accidents / damage the used car had. Not all are reported. Other, smaller reasons: - recent price difference between new vs used does not seem as big as it used to be - latest safety features - I'd keep a car that was bought new for longe...
by yukonjack
Wed Apr 18, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1991

Re: How do you know what price to negotiate when buying a used car?

This is one of the main reasons I prefer buying new. As you can tell by all of the responses there are numerous ways to try to find a “fair” price. I’ve never felt comfortable in knowing when I’ve reached a good price other than livesoft’s idea of knowing that your price is probably too low if you k...
by yukonjack
Tue Apr 10, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: K-1 form and TurboTax questions
Replies: 2
Views: 381

Re: K-1 form and TurboTax questions

I had this come up years ago when I used Turbo Tax. It will deduct the amount based on how you answer the questions. Go back to the section that asks about health insurance. In all likelihood you will have to change your answer relating to insurance paid through your workplace.
by yukonjack
Thu Apr 05, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 75
Views: 7404

Re: Tequila and Magaritas

If you are looking to make a garden variety marg and not to impress I wouldn’t go any higher than Jose Cuervo. And it’s quite cheap at places like Costco. Although personally I gave up margs when I discovered that drinking one margarita is approximately equivalent to eating one piece of pie. I belie...
by yukonjack
Wed Apr 04, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3888

Re: Health club memberships

Costco has deals for 24hr fitness - I bought one years ago. Around $400 and $650 for 2 years (2 prices depending if you want their upper tier gyms). Here's a link: https://www.costco.com/CatalogSearch?dept=All&keyword=24+Hour+Fitness&refine=ads_fbrand_ntk_cs%253A%252224%2BHour%2BFitness%2522 +1 I w...
by yukonjack
Wed Apr 04, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7579

Re: Want/need some income in semi-retirement

Local public library. I have seen a number of retired folks working at my local library. Generally they restock shelves and do other miscellaneous work. The pay is generally $1 to $2 above minimum wage. They also employ drivers to move books between locations.
by yukonjack
Tue Apr 03, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3888

Re: Health club memberships

Costco has deals for 24hr fitness - I bought one years ago. Around $400 and $650 for 2 years (2 prices depending if you want their upper tier gyms). Here's a link: https://www.costco.com/CatalogSearch?dept=All&keyword=24+Hour+Fitness&refine=ads_fbrand_ntk_cs%253A%252224%2BHour%2BFitness%2522 +1 I w...
by yukonjack
Mon Apr 02, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 6055

Re: How did you file your income taxes?

I used H&R Block for federal and the free efile provided by the state of Colorado.
by yukonjack
Wed Mar 28, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 2009

Re: Need wireless earbuds recommendations

Thanks so much to the Bogleheads for all the great suggestions. I now feel confident about getting a solid pair of earbuds.
by yukonjack
Tue Mar 27, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 2009

Re: Need wireless earbuds recommendations

zeep wrote:
Tue Mar 27, 2018 4:03 pm
FWIW, I find the Wirecutter's reviews very helpful and they just updated their wireless earbud reviews.

https://thewirecutter.com/reviews/best- ... -earbuds/
Thanks for the wirecutter idea. I’ll have a look.
by yukonjack
Tue Mar 27, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 2009

Need wireless earbuds recommendations

I am looking to purchase wireless (Bluetooth) earbuds and would love to get some recommendations from trusted Bogleheads. I have done a a fair amount of website research as well as reading consumer reports recommendations and haven’t come up with a consensus. CR recommends around 8 brands but when I...
by yukonjack
Fri Mar 23, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3012

Re: What car should I get

We are in the market for a new car. We tend to keep our car for a long time. Our 2002 hyundai still drives fine (I replaced a bunch of parts) but it has 160k miles and the suspension is rusting thru. I don't like SUV. These are the cars we are thinking about buying. 1. 2018 Camry 2. 2018 CHR 3. Hyu...
by yukonjack
Mon Mar 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord LX ... is this a good deal?
Replies: 44
Views: 4491

Re: 2018 Honda Accord LX ... is this a good deal?

For those that don't know, the 2018 is a redesign and the car magazines are in love with it. Some have said that it's better than most $50k+ luxury cars. On the other hand, Honda is having trouble selling them (Sales down 20%) because everyone thinks they need an SUV and everyone else can only "aff...
by yukonjack
Mon Mar 19, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord LX ... is this a good deal?
Replies: 44
Views: 4491

Re: 2018 Honda Accord LX ... is this a good deal?

Yes I would say that is a very good deal. I bought a 2018 Accord EX-L 2.0 three weeks ago and I felt like I got a pretty good deal but not as good as yours. I was surprised at the discount offered for the new Accord. I really wasn’t expecting much going into the deal but was satisfied with the outco...
by yukonjack
Mon Mar 19, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 649

Re: small non-folding bicycle recommendations

Basically what you are describing is a Bike Friday www.bikefriday.com which is a folding bike. The bikes are actually not that heavy. I believe in the 20 to 27 pound range. What you are paying for is the semi- custom build and the convenience of a folding bike. I personally wouldn’t recommend gettin...
by yukonjack
Fri Mar 09, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Frameless Shower Glass Thickness?
Replies: 8
Views: 1240

Re: Frameless Shower Glass Thickness?

I have the very same setup in my master bathroom. When I had my glass installed 5 years ago the company (very reputable Denver metro business) used 3/8 inch glass all around. IMO it seems plenty thick and stable, not sure why you would need even more glass. Personally I would go with the company tha...
by yukonjack
Wed Mar 07, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: What are your auto insurance limits?
Replies: 59
Views: 5919

Re: What are your auto insurance limits?

I think I have this well optimized but wanted to see what others are doing. We have the following auto insurance limits: - Bodily injury: 250k individual / 500k incident - Property damage: 100k - Uninsured / underinsured: same as bodily injury & property damage above - Collision - $1000 deductible ...
by yukonjack
Wed Mar 07, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 2065

Re: Best Colorado Skiing

The further from I-70 the better is a good general rule. This year has been below average due to the lack of snow so hopefully you are planning for next year. As a previous post mentioned skiing in Utah is very good if you are okay with the Utah vibe which is quite a bit different than Colorado.
by yukonjack
Wed Mar 07, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3653

Re: What if you have a poorly rated car?

I would definitely keep the vehicle until you personally start to see issues with it. More importantly I would take the CR auto information with a grain of salt. I’ve noticed over the last 5 years or so that CR has wild swings in the rankings of vehicles. At one point the Tesla S was the highest rat...
by yukonjack
Tue Mar 06, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5399

Re: Colorado Summer Vacation - what to see and where to stay

I would stay out of the front range area for the most part. It's crowded and much less pretty than the Western Slope. No reason to spend any time in Denver other than the airport (which isn't great, but flights to other parts of Colorado are expensive). However, Rocky Mountain National Park is abso...
by yukonjack
Sat Mar 03, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9013

Re: Thinking of getting an Apple Watch

Another opposing view. I bought it when it came out first. And it is collecting dust since then. Two biggest issues for me are 1) I am farsighted. So I have to put on reading glasses to see anything on the tiny watch 2) I have to charge it every day - although it doesn't take very long. However, de...
by yukonjack
Thu Mar 01, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Selling Condo without putting on the market
Replies: 20
Views: 1285

Re: Selling Condo without putting on the market

My initial thought is that you are giving up one of your greatest advantages that comes with sell in a hot real estate market and that is a bidding war by potential buyers. Anecdotally, a friend in Denver recently sold his house and it sold on the first day listed. Several buyers bid the price up $5...
by yukonjack
Wed Feb 28, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5513

Re: What age is too old to stop hostelling?

No one has mentioned it so it may not be a problem but I would imagine petty theft being a potential problem in a room with a bunch of strangers. I guess during the day you wouldn’t leave anything of real value in the room. Depending on how light you travel this may or may be an issue.
by yukonjack
Thu Feb 22, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Why open a taxable account?
Replies: 27
Views: 4194

Re: Why open a taxable account?

Just before reading your last post I was going to strongly suggest an HSA. This is another way to sock away tax deferred money especially since you are young and presumably healthy. If you have enough money to pay your medical expenses out of pocket and let the HSA grow over the years it could worko...